Cardless transactions

ABSTRACT

A system for conducting transactions without a debit card or credit card may receive a request to complete a transaction including authentication data associated with a transaction account and a captured biometric template. The transaction request may lack information contained on a typical debit card or credit card. The system may identify the transaction account using the authentication data associated with the transaction account. The transaction account may be associated with a stored biometric template stored in a biometric data store. The system may also compare the stored biometric template with the captured biometric template. In response to the stored biometric template conflicting with the captured biometric template, the system may decline the transaction.

FIELD

This disclosure relates to transactions based on biometric data andcompleted without needing a transaction instrument (e.g., a debit cardor credit card).

BACKGROUND

Travelers often find themselves far from home with little more than abag and a wallet. They may carry one or two credit cards or debit cardsto complete transactions. Some may even carry mobile devices provisionedwith payment mechanisms associated with their transaction accounts.During their travels, many expenses arise including lodging, food andtransportation.

Such critical goods and services can be taken for granted by thosefeeling secure in their account balances. For example, the transactioncards and mobile devices are convenient and effective while thetravelers have them, but too often people lose a wallet, misplace acard, or have a mobile device stolen. People that are far away from homemay find themselves alone without a mechanism to conduct purchases. Thestranded individual typically cannot pay for basic needs like food,lodging or transportation without their cards or mobile devices.

Moreover, purchases for convenience may be in jeopardy, when atransaction device is not in the possession of the customer. Forexample, a customer looking to rent a bicycle on the beach may only bewearing a swimsuit. Without her credit card, the person may not have theability to pay for the bicycle. The customer would have to return to herblanket area across the hot sand to retrieve the card in order tocomplete the transaction. Therefore, requiring cards or other media atthe point of sale may inconvenience the customer.

SUMMARY

A system, method, and computer readable medium (collectively, the“system”) is disclosed for conducting biometric-based transactionswithout needing a credit card or debit card. The system may receive arequest to complete a transaction including authentication dataassociated with a transaction account and a captured biometric template.The transaction request may lack information contained on a typicaldebit card or credit card. The system may identify the transactionaccount using the authentication data associated with the transactionaccount. The transaction account may be associated with a storedbiometric template stored in a biometric data store. The system may alsocompare the stored biometric template with the captured biometrictemplate. In response to the stored biometric template conflicting withthe captured biometric template, the system may decline the transaction.

In various embodiments, the system may transmit or otherwise communicatea bPAN (biometric payment account number) to the computing device inresponse to the stored biometric template matching the capturedbiometric template. The bPAN may have domain restriction controls basedon at least one of a period, an amount, or a merchant segment. Thesystem may receive a payment cryptogram including characteristics of thetransaction with the payment cryptogram generated using the bPAN. Thesystem may authenticate a user associated with the transaction accountusing at least one of an iris scan, a fingerprint scan, vocal scan, orfacial scan, which may also be compatible authentication techniques withthe bPAN. The system may register a biometric template in associationwith a user account to digitally store biometric characteristics of anaccount holder. The authentication data used to identify a transactionaccount may include a user name and a password associated with the useraccount. The authentication data or bPAN may also include a scratch pad.The system may use step-up authentication in response to the storedbiometric template differing from the captured biometric template.

The forgoing features and elements may be combined in variouscombinations without exclusivity, unless expressly indicated hereinotherwise. These features and elements as well as the operation of thedisclosed embodiments will become more apparent in light of thefollowing description and accompanying drawings.

BRIEF DESCRIPTION

The subject matter of the present disclosure is particularly pointed outand distinctly claimed in the concluding portion of the specification. Amore complete understanding of the present disclosure, however, may beobtained by referring to the detailed description and claims whenconsidered in connection with the drawing figures, wherein like numeralsdenote like elements.

FIG. 1 illustrates an exemplary system for completing cardlesstransactions based on authentication of a present account holder, inaccordance with various embodiments;

FIG. 2 illustrates a process for authenticating transaction accountholders without a card associated with the account and/oridentification, in accordance with various embodiments; and

FIG. 3 illustrates a method of approving transactions for an accountholder without a bank issued card based on biometrics, passcodes, and/orpersonal information, in accordance with various embodiments.

DETAILED DESCRIPTION

The detailed description of various embodiments herein makes referenceto the accompanying drawings and pictures, which show variousembodiments by way of illustration. While these various embodiments aredescribed in sufficient detail to enable those skilled in the art topractice the disclosure, it should be understood that other embodimentsmay be realized and that logical and mechanical changes may be madewithout departing from the spirit and scope of the disclosure. Thus, thedetailed description herein is presented for purposes of illustrationonly and not of limitation. For example, the steps recited in any of themethod or process descriptions may be executed in any order and are notlimited to the order presented. Moreover, any of the functions or stepsmay be outsourced to or performed by one or more third parties.Furthermore, any reference to singular includes plural embodiments, andany reference to more than one component may include a singularembodiment.

As used herein, “image template”, “facial template”, “fingerprinttemplate”, “template”, or other similar phrases may include a digitalrepresentation and/or other representation of biometric data. A templatemay identify features, edges, dimensions, and other information used toidentify the biometric facial, retinal, fingerprint, vocal, handwriting,gesture, or other biometric information of an individual. The templatemay be used by a biometric account system to identify and/orauthenticate a person associated with a transaction account using abiometric device.

As used herein, “match” or “associated with” or similar phrases mayinclude an identical match, a partial match, meeting certain criteria,matching a subset of data, a correlation, satisfying certain criteria, acorrespondence, an association, an algorithmic relationship and/or thelike. For example, a first template may match a second template inresponse to the templates being sufficiently similar to imply thebiometric data of each template is likely from the same person, eventhough the source from which the templates are generated may not beexactly identical. Similarly, as used herein, “authenticate” or similarterms may include an exact authentication, a partial authentication,authenticating a subset of data, a correspondence, satisfying certaincriteria, an association, an algorithmic relationship and/or the like.

The present disclosure includes systems, methods, and computer programproducts for completing transactions using a transaction accountassociated with biometrics, passcodes, and/or personal information toidentify the account holder. The systems may approve and/or declinetransactions based in part on authentication data known to the accountholder such as a password, personal information and/or a securityquestion. Transactions may include requesting a replacement cardin-person at a bank, making a purchase at a point-of-sale device, orotherwise making changes or payments related to a transaction account.The systems may also approve and/or decline transactions based in parton biometric data inherent to the account holder such as facialrecognition, fingerprints, voice recognition and/or retinal scans. Assuch, an account holder may transact without needing identification ormedia (e.g., a credit card, debit card, or mobile device, driver'slicense, or any form of ID) containing an account number.

With reference to FIG. 1, a system 100 for completing transactionswithout needing debit or credit cards is shown, in accordance withvarious embodiments. System 100 may include a computing device 102 incommunication with and/or comprising a biometric device 104 andauthentication device 106. Computing device 102 may take the form of acomputer or processor, or a set of computers/processors, such as acomputer, point-of-sale device, laptop, notebook, hand held computer,personal digital assistant, cellular phone, smart phone (e.g., iPhone®,BlackBerry®, Android®, etc.), tablet, wearable (e.g., smart watch andsmart glasses), camera, or any other device capable of communicatingwith a biometric device 104 and/or authentication device 106 to collectidentifying biometric data and authentication data for an accountholder.

In various embodiments, biometric device 104 may comprise any devicecapable of scanning, storing, processing, capturing and/or communicatingbiometric templates or other digital representation of biometric data.Examples of biometric device 104 include a camera, fingerprint scanner,retinal scanner, microphone, touch pad, or other suitable biometricdevices capable of capturing raw biometric data and/or biometrictemplates. The images, scans, recordings, and/or readings captured bybiometric device may be processed into templates or otherrepresentations at computing device 102 prior to transmission to bankserver 108 over the Internet. Processing the biometric data prior totransmission may protect the raw biometric data from exposure duringtransmission to bank server 108. Bank server 108 may include one or morecomputing devices such as, for example, computing nodes, distributedcomputing systems, application servers, computers, or other suitablecomputing devices.

In a small scale system (e.g., 50 users), identifying a user based onBiometrics due to false acceptance rate (FAR) and/or false recognitionrate (FRR) being relatively low compared to the number of users in thesmall scale system. In large scale systems potentially having millionsof users, using biometric identification as a first step may bechallenging as the FAR and FRR rates virtually guarantee collisionsand/or false recognitions when matching a user to an account. As such,the user may assist the POS by choosing the account to charge and/orentering a password or PIN, which may be subsequently authenticated withbiometric data. Additionally, raw biometric data (e.g., withoutgenerating a template) may be sent in an encrypted format to the backendfor more precise processing.

Authentication device 106 may comprise any device capable of inputtingor outputting information about an account holder to assist inauthenticating the account holder and/or identifying the associatedtransaction account. An authentication device may display a verbalpassword, characteristics of the account holder, or prompts for a bankor merchant to use in authenticating the account holder or identifyingan associated account. An authentication device may also receive inputssuch as, for example, a password, an answer to a security question, anaccount number, a social security number, or other inputs for use inauthenticating the account holder or identifying an associated account.In that regard, example authentication devices may include a keyboard,monitor, and/or mouse.

Computing device 102 may be in communication with bank server 108 overan electronic communication network. The network may be local areanetwork using TCP/IP communication, for example, or a wide area networkincorporating communication over the Internet. The communication networkmay also be an internal network isolated from the Internet. Thecommunication networks of system 100 may be exposed to third partyattacks at various points. Computing device 102 and bank server 108 maythus communicate over the network with encrypted messages. Encryptionmay be performed by way of any of the techniques now available in theart or which may become available. For example, suitable encryptiontechniques may include Twofish, RSA, El Gamal, Schorr signature, DSA,PGP, PKI, GPG (GnuPG), or other symmetric or asymmetric algorithms.Transport level encryption such as TLS/SSL may be used in conjunctionwith payload encryption to further secure communications.

In various embodiments, bank server 108 may use the biometric data froman account holder in association with a biometric primary account number(bPAN) to access or identify a transaction account associated with theaccount holder. The bPAN may be bound to biometrics such that the bPANis only valid for use with biometric transactions described herein. Bankserver 108 may retain a mapping of bPANs to primary account numbers(PAN) associated with transaction accounts. The mapping may not beone-to-one. For example, an account may have a bPAN based on each offingerprint features, facial features, vocal features, retinal features,a combination thereof, or a subset thereof with each bPAN mapped to thePAN for the account associated with the account holder. Biometrictemplates may be associated with accounts by storage in a data storewith a key field corresponding to the account. In that regard, the bPANfor an account holder serves as a biometric profile granting access tothe associated transaction account.

In various embodiments, a bPAN may also be provided to merchants inresponse to an account holder requesting a transaction based on theirbiometric data. The bPAN may have timing, spending, segment, or otherlimitations as to where and when the bPAN may be used. Domainrestriction controls may be implemented upon onboarding. Examples ofdomain restriction controls may include a value limitation of suchtransactions, a value limit based on the authentication method, etc. Abank may issue one-time bPANs, for example, to merchants to complete asingle transaction. A bank may also limit transactions based on bPANs totravel related merchants such as lodging, food, and transportation. Themapping may be stored in an appropriate bPAN data store 110 such as, forexample, a big data file system, a relational database, or anothersuitable database type. Merchants may utilize the bPAN to calculate thecryptogram sent to bank servers 108 to request authorization. An exampleof cryptogram data may include a hash of the biometric data, transactionamount, merchant ID, time of the transaction, a nonce for reply attackprevention), an indicator that this is an “in-person” transaction,”and/or an enumeration of the authentication methods.

In various embodiments, bank server may also use authentication datafrom the account holder to identify the transaction account associatedwith the individual. For example, the account holder may provideauthentication data in the form of a name, user name, passphrase, dateof birth, account number, address, phone number, security questions, orother authentication data to identify a transaction account associatedwith an individual. For example, the authentication data may be used toselect records associated with the account holder from a database. Therecords may include biometric data suitable for use in furtherauthenticating the account holder by comparison to biometric datacaptured by biometric device 104.

With reference to FIG. 2, an example process 200 is shown forauthorizing transactions for a transaction account holder withoutneeding a card or device associated with the transaction account,according to various embodiments. Process 200 is illustrated asexecuting on bank server 108, though all or a portion of the process mayalso be executed at computing device 102 or other devices, in accordancewith various embodiments. Bank server 108 may receive authenticationdata from authentication device 106 and/or computing device 102 (Block202) in association with a request to complete a transaction. A customermay thus choose an account, enter an associated PIN or password, and gothrough biometric authentication, for example. The biometric data may betransmitted in a cryptogram and/or separately for authentication.

For example, a hotel may have a terminal at which a user may sign intoan account with the bank using authentication data including a user nameand password. Authentication data may also be in the form of a scratchpad having a predetermined set of inputs that map to an account. Forexample, the scratch pad may be a string including username with thelast 4 of SSN appended, and may map to an account. An account holder maybe prompted for the scratch pad at the point-of-sale so the scratch padmay change for the varying biometric transactions. The POS may be anexisting POS having biometric capture capabilities and updated withsoftware to enable the functionality described herein. Older POS deviceswithout biometric capture capabilities may also integrate hardwareupdates and/or replacements to enable biometric capture capabilities.

Bank server 108 may look up a transaction account using theauthentication data (Block 204). The method of input can be communicatedto a fraud and risk engine to assess risk associated with thetransaction. The bank server may use the authentication data as criteriain a query to identify an account matching the criteria. The accountmatching the criteria may also have biometric data associated with theaccount. Continuing the above example, the bank may send to the hotel abPAN associated with the user account for use with biometricauthentication.

In various embodiments, bank server 108 may receive biometric datacaptured by biometric device 104 (Block 206). The biometric data may bereceived in the form of a template, an image, a recording, or otherformat suitable for deriving or containing derived biometric data. Inresponse to receiving biometric data in image or other raw form, bankserver 108 may convert the image to a template suitable for comparisonto a stored biometric template.

Bank server 108 may compare the biometric data stored in associationwith the transaction account to the biometric data captured at biometricdevice 104 to determine whether the stored biometric data matches thecaptured biometric data (Block 208). A biometric template may be anydigital representation of biometric data in non-image form. For example,a series of fingerprint templates may directly store fingerprint dataand indirectly store gesture data. For further explanation of securitybased on fingerprints and gestures see U.S. patent application Ser. No.14/860,375, entitled “SYSTEMS AND METHODS FOR GESTURE BASED BIOMETRICSECURITY,” which is incorporated herein in its entirety.

In another example, a facial template may store facial biometric datarepresentative of facial landmarks and features. Landmarks and featuresmay include relative position, size, and/or shape of the eyes, nose,cheekbones, and jaw and the texture and/or color of the eyes, skin,hair, or other identifiable features. For further explanation ofauthenticating based on facial recognition see U.S. patent applicationSer. No. 14/273,225, entitled “SYSTEMS AND METHODS FOR AUTHENTICATINGFACIAL BIOMETRIC DATA AGAINST SECONDARY SOURCES,” which is incorporatedherein in its entirety.

In various embodiments, bank server 108 may continue a transaction usingthe looked-up account in response to the received biometric datamatching with the stored and looked-up biometric data (Block 210). Thetransaction may also be evaluated on supplementary criteria. Forexample, the cardless-payment process may be restricted to registeredaccounts. For unregistered accounts, the cardless-payment process mayonly be enabled at a limited subset of merchants and/or within limitedspending limits. For example, cardless transactions may be approved forfood, lodging, and transportation as an emergency measure but declinedin other market segments. Such limitations may be set by an accountholder during registration, or may be automatically imposed for accountholders who have not opted-in to the cardless program beyond emergencyuse.

In response to the received biometric data conflicting with the storedand looked-up biometric data, bank server 108 may check whether theresult of the comparison between the received biometric data and thelookup biometric data is ambiguous (Block 212). In response to a stronglikelihood that the biometric data does not match or the risk of thetransaction is unacceptable, bank server 108 may decline the transaction(Block 214).

In response to an ambiguous result from the comparison, the bank mayrequest additional authentication and/or biometric data (Block 216). Anambiguous result may be characterized by lacking enough data or score toauthenticate a transaction. A risky transaction may be characterized byrisk markers. Examples of risk markers include, for example, a passwordentry device without protection or a velocity transaction that seemsunlikely such as a user conducting two transactions in a short amount oftime between to geographic locations that are significantly separated bydistance. Bank server 108 may use the additional data to authenticatethe individual associated with the transaction account by comparing theadditional data to known data associated with the account. Bank server108 may decline the transaction in response to the step-upauthentication failing (Block 214). In response to the step-upauthentication passing, bank server 108 may continue the transactionwith the account (Block 210). In continuing the transaction with theaccount, bank server 108 may apply additional criteria to evaluate risk,account settings, domain restriction controls for cardless transactions,or other criteria prior to authorizing a transaction.

Referring now to FIG. 3, an example process 300 is shown for authorizingtransactions for a transaction account holder without needing a card ordevice associated with the transaction account, in accordance withvarious embodiments. Process 300 is illustrated as executing on bankserver 108, though all or a portion of the process may also be executedat computing device 102 in various embodiments. Bank server 108 mayreceive biometric data from biometric device 104 and/or computing device102 (Block 302). The biometric data may be converted to a template priorto transmission from computing device 102 to bank server 108. Thebiometric data may also be transmitted to bank server 108 in a rawformat such as an image or a scan for conversion to a template or otherformat suitable for comparison to stored biometric data.

In various embodiments, bank server 108 may look up a transactionaccount using the biometric data (Block 304). The biometric data may beused as criteria in a query to retrieve account details from a datastore, for example. More than one biometric identifier may be used inorder to limit the possibility of false positives allowing for duplicateauthentications. For example, the combination of fingerprint, retinalscan, and facial recognition from an individual may be used to lookup atransaction account belonging to the individual. Additionally, thebiometric data may be supplemented with authentication data such as ausername and password, as described above.

Bank server 108 may determine whether the lookup was successful (Block306). Bank server 108 may decline the transaction in response to thelookup being unsuccessful (Block 308). Bank server 108 may detect anunsuccessful lookup by submitting a search query using the biometricdata and/or authentication data as criteria and receiving an emptyresults set. Bank server 108 may also detect an unsuccessful lookup bysubmitting a search query using the biometric data and/or authenticationdata as criteria and receiving a result set having accounts belonging tomore than one individual.

In response to the lookup being successful, bank server 108 maydetermine whether the transaction type, amount, and/or othercharacteristics are valid for biometric-based transactions on theassociated account (Block 310). The account associated with thebiometric data may also include domain restriction controls for the useof the card-free, biometric-based payments. For example, the account mayinclude a daily, total, weekly, or other spending limit onbiometric-based transactions. The account may also restrictbiometric-based transactions to limited merchant segments in case ofemergency such as, for example, food, medical, transportation, orlodging.

In response to the transaction being invalid, bank server 108 maydecline the transaction (Block 308). In response to the transactioncharacteristics indicating the transaction is valid, bank server 108 maycontinue the transaction with the identified account (Block 312).Continuing the transaction may include transmitting to a merchant a bPANas described above for use in generating a cryptogram capable of usingstandard payment authorization systems. The bPAN may function in acredit authorization ecosystem in a manner similar to a digital PAN(DPAN) bound to a mobile device.

The bPAN may be mapped to a PAN, which may serve as a key field for theassociated transaction account to access account details, authenticationdata, and/or other biometric data stored in a database. A user may alsoprovide authentication data such as a user name and password to log intoa biometric transaction system, with the username being used as a keyfield for the associated transaction account. Any databases discussedherein may include relational, hierarchical, graphical, blockchain,object-oriented structure and/or any other database configurations.Common database products that may be used to implement the databasesinclude DB2 by IBM® (Armonk, N.Y.), various database products availablefrom ORACLE® Corporation (Redwood Shores, Calif.), MICROSOFT® Access® orMICROSOFT® SQL Server® by MICROSOFT® Corporation (Redmond, Wash.), MySQLby MySQL AB (Uppsala, Sweden), MongoDB®, Redis®, Apache Cassandra®, orany other suitable database product. Moreover, the databases may beorganized in any suitable manner, for example, as data tables or lookuptables. Each record may be a single file, a series of files, a linkedseries of data fields or any other data structure. The association stepmay be accomplished by a database merge function, for example, using a“key field” in pre-selected databases or data sectors. Various databasetuning steps are contemplated to optimize database performance. Forexample, frequently used files such as indexes may be placed on separatefile systems to reduce In/Out (“I/O”) bottlenecks.

More particularly, a “key field” partitions the database according tothe high-level class of objects defined by the key field. For example,certain types of data may be designated as a key field in a plurality ofrelated data tables and the data tables may then be linked on the basisof the type of data in the key field. The data corresponding to the keyfield in each of the linked data tables is preferably the same or of thesame type. However, data tables having similar, though not identical,data in the key fields may also be linked by using AGREP, for example.In accordance with one embodiment, any suitable data storage techniquemay be utilized to store data without a standard format. Data sets maybe stored using any suitable technique, including, for example, storingindividual files using an ISO/IEC 7816-4 file structure; implementing adomain whereby a dedicated file is selected that exposes one or moreelementary files containing one or more data sets; using data setsstored in individual files using a hierarchical filing system; data setsstored as records in a single file (including compression, SQLaccessible, hashed via one or more keys, numeric, alphabetical by firsttuple, etc.); Binary Large Object (BLOB); stored as ungrouped dataelements encoded using ISO/IEC 7816-6 data elements; stored as ungroupeddata elements encoded using ISO/IEC Abstract Syntax Notation (ASN.1) asin ISO/IEC 8824 and 8825; and/or other proprietary techniques that mayinclude fractal compression methods, image compression methods, etc. Inthat regard, bank servers 108 may look up, generate, or otherwiseretrieve a bPAN associated with a transaction account and send the bPANto the merchant for use in authorizing a transaction.

The cardless payment systems and methods described herein may bevulnerable to attacks including spoofing, tampering, repudiation,information disclosure, denial of service, and escalation of privilege,for example. Point-of-sale terminals may not be under the control ofcustomers and may be rogue terminals. Terminal authentication may thusprovide additional security for entry of biometric data and/orauthentication data. Terminals may leverage a security solution such asthat available under the trade name SECUREMATRIX, which is available athttp://cse-America.com/.

The disclosure and claims do not describe only a particular outcome ofcardless transactions, but the disclosure and claims include specificrules for implementing the outcome of cardless transactions and thatrender information into a specific format that is then used and appliedto create the desired results of cardless transactions, as set forth inMcRO, Inc. v. Bandai Namco Games America Inc. (Fed. Cir. Case number15-1080, Sep. 13, 2016). In other words, the outcome of cardlesstransactions can be performed by many different types of rules andcombinations of rules, and this disclosure includes various embodimentswith specific rules. While the absence of complete preemption may notguarantee that a claim is eligible, the disclosure does not sufficientlypreempt the field of cardless transactions at all. The disclosure actsto narrow, confine, and otherwise tie down the disclosure so as not tocover the general abstract idea of just cardless transactions.Significantly, other systems and methods exist for cardlesstransactions, so it would be inappropriate to assert that the claimedinvention preempts the field or monopolizes the basic tools of cardlesstransactions. In other words, the disclosure will not prevent othersfrom cardless transactions, because other systems are already performingthe functionality in different ways than the claimed invention.Moreover, the claimed invention includes an inventive concept that maybe found in the non-conventional and non-generic arrangement of known,conventional pieces, in conformance with Bascom v. AT&T Mobility,2015-1763 (Fed. Cir. 2016). The disclosure and claims go way beyond anyconventionality of any one of the systems in that the interaction andsynergy of the systems leads to additional functionality that is notprovided by any one of the systems operating independently. Thedisclosure and claims may also include the interaction between multipledifferent systems, so the disclosure cannot be considered animplementation of a generic computer, or just “apply it” to an abstractprocess. The disclosure and claims may also be directed to improvementsto software with a specific implementation of a solution to a problem inthe software arts.

In various embodiments, the system and method may include alerting asubscriber when their computer is offline. The system may includegenerating customized information and alerting a remote subscriber thatthe information can be accessed from their computer. The alerts aregenerated by filtering received information, building information alertsand formatting the alerts into data blocks based upon subscriberpreference information. The data blocks are transmitted to thesubscriber's wireless device which, when connected to the computer,causes the computer to auto-launch an application to display theinformation alert and provide access to more detailed information aboutthe information alert. More particularly, the method may compriseproviding a viewer application to a subscriber for installation on theremote subscriber computer; receiving information at a transmissionserver sent from a data source over the Internet, the transmissionserver comprising a microprocessor and a memory that stores the remotesubscriber's preferences for information format, destination address,specified information, and transmission schedule, wherein themicroprocessor filters the received information by comparing thereceived information to the specified information; generates aninformation alert from the filtered information that contains a name, aprice and a universal resource locator (URL), which specifies thelocation of the data source; formats the information alert into datablocks according to said information format; and transmits the formattedinformation alert over a wireless communication channel to a wirelessdevice associated with a subscriber based upon the destination addressand transmission schedule, wherein the alert activates the applicationto cause the information alert to display on the remote subscribercomputer and to enable connection via the URL to the data source overthe Internet when the wireless device is locally connected to the remotesubscriber computer and the remote subscriber computer comes online.

In various embodiments, the system and method may include a graphicaluser interface for dynamically relocating/rescaling obscured textualinformation of an underlying window to become automatically viewable tothe user. By permitting textual information to be dynamically relocatedbased on an overlap condition, the computer's ability to displayinformation is improved. More particularly, the method for dynamicallyrelocating textual information within an underlying window displayed ina graphical user interface may comprise displaying a first windowcontaining textual information in a first format within a graphical userinterface on a computer screen; displaying a second window within thegraphical user interface; constantly monitoring the boundaries of thefirst window and the second window to detect an overlap condition wherethe second window overlaps the first window such that the textualinformation in the first window is obscured from a user's view;determining the textual information would not be completely viewable ifrelocated to an unobstructed portion of the first window; calculating afirst measure of the area of the first window and a second measure ofthe area of the unobstructed portion of the first window; calculating ascaling factor which is proportional to the difference between the firstmeasure and the second measure; scaling the textual information basedupon the scaling factor; automatically relocating the scaled textualinformation, by a processor, to the unobscured portion of the firstwindow in a second format during an overlap condition so that the entirescaled textual information is viewable on the computer screen by theuser; and automatically returning the relocated scaled textualinformation, by the processor, to the first format within the firstwindow when the overlap condition no longer exists.

In various embodiments, the system may also include isolating andremoving malicious code from electronic messages (e.g., email) toprevent a computer from being compromised, for example by being infectedwith a computer virus. The system may scan electronic communications formalicious computer code and clean the electronic communication before itmay initiate malicious acts. The system operates by physically isolatinga received electronic communication in a “quarantine” sector of thecomputer memory. A quarantine sector is a memory sector created by thecomputer's operating system such that files stored in that sector arenot permitted to act on files outside that sector. When a communicationcontaining malicious code is stored in the quarantine sector, the datacontained within the communication is compared to maliciouscode-indicative patterns stored within a signature database. Thepresence of a particular malicious code-indicative pattern indicates thenature of the malicious code. The signature database further includescode markers that represent the beginning and end points of themalicious code. The malicious code is then extracted from maliciouscode-containing communication. An extraction routine is run by a fileparsing component of the processing unit. The file parsing routineperforms the following operations: scan the communication for theidentified beginning malicious code marker; flag each scanned bytebetween the beginning marker and the successive end malicious codemarker; continue scanning until no further beginning malicious codemarker is found; and create a new data file by sequentially copying allnon-flagged data bytes into the new file, which thus forms a sanitizedcommunication file. The new, sanitized communication is transferred to anon-quarantine sector of the computer memory. Subsequently, all data onthe quarantine sector is erased. More particularly, the system includesa method for protecting a computer from an electronic communicationcontaining malicious code by receiving an electronic communicationcontaining malicious code in a computer with a memory having a bootsector, a quarantine sector and a non-quarantine sector; storing thecommunication in the quarantine sector of the memory of the computer,wherein the quarantine sector is isolated from the boot and thenon-quarantine sector in the computer memory, where code in thequarantine sector is prevented from performing write actions on othermemory sectors; extracting, via file parsing, the malicious code fromthe electronic communication to create a sanitized electroniccommunication, wherein the extracting comprises scanning thecommunication for an identified beginning malicious code marker,flagging each scanned byte between the beginning marker and a successiveend malicious code marker, continuing scanning until no furtherbeginning malicious code marker is found, and creating a new data fileby sequentially copying all non-flagged data bytes into a new file thatforms a sanitized communication file; transferring the sanitizedelectronic communication to the non-quarantine sector of the memory; anddeleting all data remaining in the quarantine sector.

In various embodiments, the system may also address the problem ofretaining control over customers during affiliate purchase transactions,using a system for co-marketing the “look and feel” of the host web pagewith the product-related content information of the advertisingmerchant's web page. The system can be operated by a third-partyoutsource provider, who acts as a broker between multiple hosts andmerchants. Prior to implementation, a host places links to a merchant'swebpage on the host's web page. The links are associated withproduct-related content on the merchant's web page. Additionally, theoutsource provider system stores the “look and feel” information fromeach host's web pages in a computer data store, which is coupled to acomputer server. The “look and feel” information includes visuallyperceptible elements such as logos, colors, page layout, navigationsystem, frames, mouse-over effects or other elements that are consistentthrough some or all of each host's respective web pages. A customer whoclicks on an advertising link is not transported from the host web pageto the merchant's web page, but instead is redirected to a composite webpage that combines product information associated with the selected itemand visually perceptible elements of the host web page. The outsourceprovider's server responds by first identifying the host web page wherethe link has been selected and retrieving the corresponding stored “lookand feel” information. The server constructs a composite web page usingthe retrieved “look and feel” information of the host web page, with theproduct-related content embedded within it, so that the composite webpage is visually perceived by the customer as associated with the hostweb page. The server then transmits and presents this composite web pageto the customer so that she effectively remains on the host web page topurchase the item without being redirected to the third party merchantaffiliate. Because such composite pages are visually perceived by thecustomer as associated with the host web page, they give the customerthe impression that she is viewing pages served by the host. Further,the customer is able to purchase the item without being redirected tothe third party merchant affiliate, thus allowing the host to retaincontrol over the customer. This system enables the host to receive thesame advertising revenue streams as before but without the loss ofvisitor traffic and potential customers. More particularly, the systemmay be useful in an outsource provider serving web pages offeringcommercial opportunities. The computer store containing data, for eachof a plurality of first web pages, defining a plurality of visuallyperceptible elements, which visually perceptible elements correspond tothe plurality of first web pages; wherein each of the first web pagesbelongs to one of a plurality of web page owners; wherein each of thefirst web pages displays at least one active link associated with acommerce object associated with a buying opportunity of a selected oneof a plurality of merchants; and wherein the selected merchant, theoutsource provider, and the owner of the first web page displaying theassociated link are each third parties with respect to one other; acomputer server at the outsource provider, which computer server iscoupled to the computer store and programmed to: receive from the webbrowser of a computer user a signal indicating activation of one of thelinks displayed by one of the first web pages; automatically identify asthe source page the one of the first web pages on which the link hasbeen activated; in response to identification of the source page,automatically retrieve the stored data corresponding to the source page;and using the data retrieved, automatically generate and transmit to theweb browser a second web page that displays: information associated withthe commerce object associated with the link that has been activated,and the plurality of visually perceptible elements visuallycorresponding to the source page.

Systems, methods and computer program products are provided. In thedetailed description herein, references to “various embodiments”, “oneembodiment”, “an embodiment”, “an example embodiment”, etc., indicatethat the embodiment described may include a particular feature,structure, or characteristic, but every embodiment may not necessarilyinclude the particular feature, structure, or characteristic. Moreover,such phrases are not necessarily referring to the same embodiment.Further, when a particular feature, structure, or characteristic isdescribed in connection with an embodiment, it is submitted that it iswithin the knowledge of one skilled in the art to affect such feature,structure, or characteristic in connection with other embodimentswhether or not explicitly described. After reading the description, itwill be apparent to one skilled in the relevant art(s) how to implementthe disclosure in alternative embodiments.

Terms and phrases similar to “associate” and/or “associating” mayinclude tagging, flagging, correlating, using a look-up table or anyother method or system for indicating or creating a relationship betweenelements, such as, for example, (i) a transaction account and (ii) anitem (e.g., offer, reward, discount) and/or digital channel. Moreover,the associating may occur at any point, in response to any suitableaction, event, or period of time. The associating may occur atpre-determined intervals, periodic, randomly, once, more than once, orin response to a suitable request or action. Any of the information maybe distributed and/or accessed via a software enabled link, wherein thelink may be sent via an email, text, post; social network input and/orany other method known in the art.

Phrases and terms similar to “transaction account” may include anyaccount that may be used to facilitate a financial transaction.

Phrases and terms similar to “financial institution” or “bank” mayinclude any entity that offers transaction account services. Althoughoften referred to as a “financial institution,” the financialinstitution may represent any type of bank, lender or other type ofaccount issuing institution, such as credit card companies, cardsponsoring companies, or third party issuers under contract withfinancial institutions. It is further noted that other participants maybe involved in some phases of the transaction, such as an intermediarysettlement institution.

The phrases consumer, customer, user, account holder, account affiliate,cardmember or the like shall include any person, entity, business,government organization, business, software, hardware, machineassociated with a transaction account, buys merchant offerings offeredby one or more merchants using the account and/or who is legallydesignated for performing transactions on the account, regardless ofwhether a physical card is associated with the account. For example, thecardmember may include a transaction account owner, a transactionaccount user, an account affiliate, a child account user, a subsidiaryaccount user, a beneficiary of an account, a custodian of an account,and/or any other person or entity affiliated or associated with atransaction account.

Any communication, transmission and/or channel discussed herein mayinclude any system or method for delivering content (e.g. data,information, metadata, etc), and/or the content itself. The content maybe presented in any form or medium, and in various embodiments, thecontent may be delivered electronically and/or capable of beingpresented electronically. For example, a channel may comprise a websiteor device (e.g., Facebook, YOUTUBE®, APPLE®TV®, PANDORA®, XBOX®, SONY®PLAYSTATION®), a uniform resource locator (“URL”), a document (e.g., aMICROSOFT® Word® document, a MICROSOFT® Excel® document, an ADOBE®.pdfdocument, etc.), an “ebook,” an “emagazine,” an application ormicroapplication (as described herein), an SMS or other type of textmessage, an email, facebook, twitter, MMS and/or other type ofcommunication technology. In various embodiments, a channel may behosted or provided by a data partner. In various embodiments, thedistribution channel may comprise at least one of a merchant website, asocial media website, affiliate or partner websites, an external vendor,a mobile device communication, social media network and/or locationbased service. Distribution channels may include at least one of amerchant website, a social media site, affiliate or partner websites, anexternal vendor, and a mobile device communication. Examples of socialmedia sites include FACEBOOK®, FOURSQUARE®, TWITTER®, MYSPACE®,LINKEDIN®, and the like. Examples of affiliate or partner websitesinclude AMERICAN EXPRESS®, GROUPON®, LIVINGSOCIAL®, and the like.Moreover, examples of mobile device communications include texting,email, and mobile applications for smartphones.

A “consumer profile” or “consumer profile data” may comprise anyinformation or data about a consumer that describes an attributeassociated with the consumer (e.g., a preference, an interest,demographic information, personally identifying information, and thelike).

The various system components discussed herein may include one or moreof the following: a host server or other computing systems including aprocessor for processing digital data; a memory coupled to the processorfor storing digital data; an input digitizer coupled to the processorfor inputting digital data; an application program stored in the memoryand accessible by the processor for directing processing of digital databy the processor; a display device coupled to the processor and memoryfor displaying information derived from digital data processed by theprocessor; and a plurality of databases. Various databases used hereinmay include: client data; merchant data; financial institution data;and/or like data useful in the operation of the system. As those skilledin the art will appreciate, user computer may include an operatingsystem (e.g., WINDOWS®, OS2, UNIX®, LINUX®, SOLARIS®, MacOS, etc.) aswell as various conventional support software and drivers typicallyassociated with computers.

The present system or any part(s) or function(s) thereof may beimplemented using hardware, software or a combination thereof and may beimplemented in one or more computer systems or other processing systems.However, the manipulations performed by embodiments were often referredto in terms, such as matching or selecting, which are commonlyassociated with mental operations performed by a human operator. No suchcapability of a human operator is necessary, or desirable in most cases,in any of the operations described herein. Rather, the operations may bemachine operations. Useful machines for performing the variousembodiments include general purpose digital computers or similardevices.

In fact, in various embodiments, the embodiments are directed toward oneor more computer systems capable of carrying out the functionalitydescribed herein. The computer system includes one or more processors,such as processor. The processor is connected to a communicationinfrastructure (e.g., a communications bus, cross over bar, or network).Various software embodiments are described in terms of this exemplarycomputer system. After reading this description, it will become apparentto a person skilled in the relevant art(s) how to implement variousembodiments using other computer systems and/or architectures. Computersystem can include a display interface that forwards graphics, text, andother data from the communication infrastructure (or from a frame buffernot shown) for display on a display unit.

Computer system also includes a main memory, such as for example randomaccess memory (RAM), and may also include a secondary memory. Thesecondary memory may include, for example, a hard disk drive and/or aremovable storage drive, representing a floppy disk drive, a magnetictape drive, an optical disk drive, etc. The removable storage drivereads from and/or writes to a removable storage unit in a well-knownmanner. Removable storage unit represents a floppy disk, magnetic tape,optical disk, etc. which is read by and written to by removable storagedrive. As will be appreciated, the removable storage unit includes acomputer usable storage medium having stored therein computer softwareand/or data.

In various embodiments, secondary memory may include other similardevices for allowing computer programs or other instructions to beloaded into computer system. Such devices may include, for example, aremovable storage unit and an interface. Examples of such may include aprogram cartridge and cartridge interface (such as that found in videogame devices), a removable memory chip (such as an erasable programmableread only memory (EPROM), or programmable read only memory (PROM)) andassociated socket, and other removable storage units and interfaces,which allow software and data to be transferred from the removablestorage unit to computer system.

Computer system may also include a communications interface.Communications interface allows software and data to be transferredbetween computer system and external devices. Examples of communicationsinterface may include a modem, a network interface (such as an Ethernetcard), a communications port, a Personal Computer Memory CardInternational Association (PCMCIA) slot and card, etc. Software and datatransferred via communications interface are in the form of signalswhich may be electronic, electromagnetic, optical or other signalscapable of being received by communications interface. These signals areprovided to communications interface via a communications path (e.g.,channel). This channel carries signals and may be implemented usingwire, cable, fiber optics, a telephone line, a cellular link, a radiofrequency (RF) link, wireless and other communications channels.

The terms “computer program medium” and “computer usable medium” and“computer readable medium” are used to generally refer to media such asremovable storage drive and a hard disk installed in hard disk drive.These computer program products provide software to computer system.

Computer programs (also referred to as computer control logic) arestored in main memory and/or secondary memory. Computer programs mayalso be received via communications interface. Such computer programs,when executed, enable the computer system to perform the features asdiscussed herein. In particular, the computer programs, when executed,enable the processor to perform the features of various embodiments.Accordingly, such computer programs represent controllers of thecomputer system.

In various embodiments, software may be stored in a computer programproduct and loaded into computer system using removable storage drive,hard disk drive or communications interface. The control logic(software), when executed by the processor, causes the processor toperform the functions of various embodiments as described herein. Invarious embodiments, hardware components such as application specificintegrated circuits (ASICs). Implementation of the hardware statemachine so as to perform the functions described herein will be apparentto persons skilled in the relevant art(s).

In various embodiments, the server may include application servers (e.g.WEB SPHERE, WEB LOGIC, JBOSS, EDB® Postgres Plus Advanced Server®(PPAS), etc.). In various embodiments, the server may include webservers (e.g. APACHE, IIS, GWS, SUN JAVA® SYSTEM WEB SERVER).

A web client includes any device (e.g., personal computer) whichcommunicates via any network, for example such as those discussedherein. Such browser applications comprise Internet browsing softwareinstalled within a computing unit or a system to conduct onlinetransactions and/or communications. These computing units or systems maytake the form of a computer or set of computers, although other types ofcomputing units or systems may be used, including laptops, notebooks,tablets, hand held computers, personal digital assistants, set-topboxes, workstations, computer-servers, main frame computers,mini-computers, PC servers, pervasive computers, network sets ofcomputers, personal computers, such as IPADS®, IMACS®, and MACBOOKS®,kiosks, terminals, point of sale (POS) devices and/or terminals,televisions, or any other device capable of receiving data over anetwork. A web-client may run MICROSOFT® INTERNET EXPLORER®, MOZILLA®FIREFOX®, GOOGLE® CHROME®, APPLE® Safari, or any other of the myriadsoftware packages available for browsing the internet.

Practitioners will appreciate that a web client may or may not be indirect contact with an application server. For example, a web client mayaccess the services of an application server through another serverand/or hardware component, which may have a direct or indirectconnection to an Internet server. For example, a web client maycommunicate with an application server via a load balancer. In variousembodiments, access is through a network or the Internet through acommercially-available web-browser software package.

As those skilled in the art will appreciate, a web client includes anoperating system (e.g., WINDOWS®/CE/Mobile, OS2, UNIX®, LINUX®,SOLARIS®, MacOS, etc.) as well as various conventional support softwareand drivers typically associated with computers. A web client mayinclude any suitable personal computer, network computer, workstation,personal digital assistant, cellular phone, smart phone, minicomputer,mainframe or the like. A web client can be in a home or businessenvironment with access to a network. In various embodiments, access isthrough a network or the Internet through a commercially availableweb-browser software package. A web client may implement securityprotocols such as Secure Sockets Layer (SSL) and Transport LayerSecurity (TLS). A web client may implement several application layerprotocols including http, https, ftp, and sftp.

The computers discussed herein may provide a suitable website or otherInternet-based graphical user interface which is accessible by users. Inone embodiment, the MICROSOFT® INTERNET INFORMATION SERVICES® (IIS),MICROSOFT® Transaction Server (MTS), and MICROSOFT® SQL Server, are usedin conjunction with the MICROSOFT® operating system, MICROSOFT® NT webserver software, a MICROSOFT® SQL Server database system, and aMICROSOFT® Commerce Server. Additionally, components such as Access orMICROSOFT® SQL Server, ORACLE®, Sybase, Informix MySQL, Interbase, etc.,may be used to provide an Active Data Object (ADO) compliant databasemanagement system In one embodiment, the Apache web server is used inconjunction with a Linux operating system, a MySQL database, and thePerl, PHP, Ruby, and/or Python programming languages.

Any of the communications, inputs, storage, databases or displaysdiscussed herein may be facilitated through a website having web pages.The term “web page” as it is used herein is not meant to limit the typeof documents and applications that might be used to interact with theuser. For example, a typical website might include, in addition tostandard HTML documents, various forms, JAVA® applets, JAVASCRIPT,active server pages (ASP), common gateway interface scripts (CGI),extensible markup language (XML), dynamic HTML, cascading style sheets(CSS), AJAX (Asynchronous JAVASCRIPT And XML), helper applications,plug-ins, and the like. A server may include a web service that receivesa request from a web server, the request including a URL and an IPaddress (123.56.789.234). The web server retrieves the appropriate webpages and sends the data or applications for the web pages to the IPaddress. Web services are applications that are capable of interactingwith other applications over a communications means, such as theinternet. Web services are typically based on standards or protocolssuch as XML, SOAP, AJAX, WSDL and UDDI. Web services methods are wellknown in the art, and are covered in many standard texts. See, e.g.,ALEX NGHIEM, IT WEB SERVICES: A ROADMAP FOR THE ENTERPRISE (2003),hereby incorporated by reference. For example, representational statetransfer (REST), or RESTful, web services may provide one way ofenabling interoperability between applications.

As used herein, the term “network” includes any cloud, cloud computingsystem or electronic communications system or method which incorporateshardware and/or software components. Communication among the parties maybe accomplished through any suitable communication channels, such as,for example, a telephone network, an extranet, an intranet. Internet,point of interaction device (point of sale device, personal digitalassistant (e.g., IPHONE®, BLACKBERRY®), cellular phone, kiosk, etc.),online communications, satellite communications, off-linecommunications, wireless communications, transponder communications,local area network (LAN), wide area network (WAN), virtual privatenetwork (VPN), networked or linked devices, keyboard, mouse and/or anysuitable communication or data input modality. Moreover, although thesystem is frequently described herein as being implemented with TCP/IPcommunications protocols, the system may also be implemented using IPX,APPLE® talk, IP-6, NetBIOS®, OSI, any tunneling protocol (e.g. Ipsec,SSH), or any number of existing or future protocols. If the network isin the nature of a public network, such as the Internet, it may beadvantageous to presume the network to be insecure and open toeavesdroppers. Specific information related to the protocols, standards,and application software utilized in connection with the Internet isgenerally known to those skilled in the art and, as such, need not bedetailed herein. See, for example, DILIP NAIK, INTERNET STANDARDS ANDPROTOCOLS (1998); JAVA® 2 COMPLETE, various authors, (Sybex 1999);DEBORAH RAY AND ERIC RAY, MASTERING HTML 4.0 (1997); and LOSHIN, TCP/IPCLEARLY EXPLAINED (1997) and DAVID GOURLEY AND BRIAN TOTTY, HTTP, THEDEFINITIVE GUIDE (2002), the contents of which are hereby incorporatedby reference.

The various system components may be independently, separately orcollectively suitably coupled to the network via data links whichincludes, for example, a connection to an Internet Service Provider(ISP) over the local loop as is typically used in connection withstandard modern communication, cable modem, Dish Networks®, ISDN,Digital Subscriber Line (DSL), or various wireless communicationmethods, see, e.g., GILBERT HELD, UNDERSTANDING DATA COMMUNICATIONS(1996), which is hereby incorporated by reference. It is noted that thenetwork may be implemented as other types of networks, such as aninteractive television (ITV) network. Moreover, the system contemplatesthe use, sale or distribution of any goods, services or information overany network having similar functionality described herein.

“Cloud” or “Cloud computing” includes a model for enabling convenient,on-demand network access to a shared pool of configurable computingresources (e.g., networks, servers, storage, applications, and services)that can be rapidly provisioned and released with minimal managementeffort or service provider interaction. Cloud computing may includelocation-independent computing, whereby shared servers provideresources, software, and data to computers and other devices on demand.For more information regarding cloud computing, see the NIST's (NationalInstitute of Standards and Technology) definition of cloud computing athttp://csrc.nist.gov/publications/nistpubs/800-145/SP800-145.pdf (lastvisited June 2012), which is hereby incorporated by reference in itsentirety.

As used herein, “transmit” may include sending electronic data from onesystem component to another over a network connection. Additionally, asused herein, “data” may include encompassing information such ascommands, queries, files, data for storage, and the like in digital orany other form.

One skilled in the art will also appreciate that, for security reasons,any databases, systems, devices, servers or other components of thesystem may consist of any combination thereof at a single location or atmultiple locations, wherein each database or system includes any ofvarious suitable security features, such as firewalls, access codes,encryption, decryption, compression, decompression, and/or the like.

The system and method may be described herein in terms of functionalblock components, screen shots, optional selections and variousprocessing steps. It should be appreciated that such functional blocksmay be realized by any number of hardware and/or software componentsconfigured to perform the specified functions. For example, the systemmay employ various integrated circuit components, e.g., memory elements,processing elements, logic elements, look-up tables, and the like, whichmay carry out a variety of functions under the control of one or moremicroprocessors or other control devices. Similarly, the softwareelements of the system may be implemented with any programming orscripting language such as C, C++, C@, JAVA®, JAVASCRIPT, JAVASCRIPTObject Notation (JSON), VBScript, Macromedia Cold Fusion, COBOL,MICROSOFT® Active Server Pages, assembly, PERL, PHP, awk, Python, VisualBasic, SQL Stored Procedures, PL/SQL, any UNIX shell script, andextensible markup language (XML) with the various algorithms beingimplemented with any combination of data structures, objects, processes,routines or other programming elements. Further, it should be noted thatthe system may employ any number of conventional techniques for datatransmission, signaling, data processing, network control, and the like.Still further, the system could be used to detect or prevent securityissues with a client-side scripting language, such as JAVASCRIPT,VBScript or the like. For a basic introduction of cryptography andnetwork security, see any of the following references: (1) “AppliedCryptography: Protocols, Algorithms, And Source Code In C,” by BruceSchneier, published by John Wiley & Sons (second edition, 1995); (2)“JAVA® Cryptography” by Jonathan Knudson, published by O'Reilly &Associates (1998); (3) “Cryptography & Network Security: Principles &Practice” by William Stallings, published by Prentice Hall; all of whichare hereby incorporated by reference.

In various embodiments, the software elements of the system may also beimplemented using Node.Js®. Node.Js® may implement several modules tohandle various core functionalities. For example, a package managementmodule, such as Npm®, may be implemented as an open source library toaid in organizing the installation and management of third-partyNode.Js® programs. Node.Js® may also implement a process manager, suchas, for example, Parallel Multithreaded Machine (“PM2”); a resource andperformance monitoring tool, such as, for example. Node ApplicationMetrics (“appmetrics”); a library module for building user interfaces,such as for example ReachJS®; and/or any other suitable and/or desiredmodule.

The term “non-transitory” is to be understood to remove only propagatingtransitory signals per se from the claim scope and does not relinquishrights to all standard computer-readable media that are not onlypropagating transitory signals per se. Stated another way, the meaningof the term “non-transitory computer-readable medium” and“non-transitory computer-readable storage medium” should be construed toexclude only those types of transitory computer-readable media whichwere found in In Re Nuijten to fall outside the scope of patentablesubject matter under 35 U.S.C. § 101.

Benefits, other advantages, and solutions to problems have beendescribed herein with regard to specific embodiments. However, thebenefits, advantages, solutions to problems, and any elements that maycause any benefit, advantage, or solution to occur or become morepronounced are not to be construed as critical, required, or essentialfeatures or elements of the disclosure. The scope of the disclosure isaccordingly to be limited by nothing other than the appended claims, inwhich reference to an element in the singular is not intended to mean“one and only one” unless explicitly so stated, but rather “one ormore.” Moreover, where a phrase similar to ‘at least one of A, B, and C’or ‘at least one of A, B, or C’ is used in the claims or specification,it is intended that the phrase be interpreted to mean that A alone maybe present in an embodiment, B alone may be present in an embodiment, Calone may be present in an embodiment, or that any combination of theelements A, B and C may be present in a single embodiment; for example,A and B, A and C, B and C, or A and B and C.

Although the disclosure includes a method, it is contemplated that itmay be embodied as computer program instructions on a tangiblecomputer-readable carrier, such as a magnetic or optical memory or amagnetic or optical disk. All structural, chemical, and functionalequivalents to the elements of the above-described various embodimentsthat are known to those of ordinary skill in the art are expresslyincorporated herein by reference and are intended to be encompassed bythe present claims. Moreover, it is not necessary for a device or methodto address each and every problem sought to be solved by the presentdisclosure, for it to be encompassed by the present claims. Furthermore,no element, component, or method step in the present disclosure isintended to be dedicated to the public regardless of whether theelement, component, or method step is explicitly recited in the claims.No claim element is intended to invoke 35 U.S.C. 112(f) unless theelement is expressly recited using the phrase “means for.” As usedherein, the terms “comprises”, “comprising”, or any other variationthereof, are intended to cover a non-exclusive inclusion, such that aprocess, method, article, or apparatus that comprises a list of elementsdoes not include only those elements but may include other elements notexpressly listed or inherent to such process, method, article, orapparatus.

What is claimed is:
 1. A method comprising: receiving, by a bank serverand from a computing device, a request to complete a transactionincluding authentication data associated with a transaction account anda captured biometric template, wherein the computing device converts thebiometric data to the captured biometric template, wherein theauthentication data is in a form of a scratch pad having a predeterminedset of inputs that map to the transaction account, and wherein thescratch pad changes based on the captured biometric template;identifying, by the bank server, the transaction account using theauthentication data associated with the transaction account, wherein thetransaction account is associated with a stored biometric templatestored in a biometric data store; comparing, by the bank server, thestored biometric template with the captured biometric template; anddetermining, by the bank server, to approve or decline the transactionin response to the comparing the stored biometric template with thecaptured biometric template.
 2. The method of claim 1, furthercomprising transmitting, by the bank server, a bPAN to the computingdevice in response to the stored biometric template matching thecaptured biometric template.
 3. The method of claim 2, wherein the bPANhas domain restriction controls based on at least one of a period, anamount, or a merchant segment.
 4. The method of claim 3, furthercomprising authenticating, by the bank server, a user associated withthe transaction account using at least one of an iris scan, afingerprint scan, vocal scan, a gesture or facial scan.
 5. The method ofclaim 4, further comprising receiving, by the bank server, a paymentcryptogram including characteristics of the transaction and generatedusing the bPAN associated with the transaction account.
 6. The method ofclaim 5, wherein the determining to decline is based on risk markersincluding at least one of a password entry device without protection ora velocity transaction wherein a user conducts two transactions in ashort amount of time between two geographic locations that aresignificantly separated by distance.
 7. The method of claim 6, whereinthe determining to approve is based on the transaction account beingregistered.
 8. The method of claim 7, further comprising requesting, bythe bank server, a step-up authentication in response to the storedbiometric template differing from the captured biometric template. 9.The method of claim 8, further comprising prompting, by the bank serverand at a point of sale device, for the scratch pad.
 10. A computer-basedsystem, comprising: a processor; a tangible, non-transitory memoryconfigured to communicate with the processor, the tangible,non-transitory memory having instructions stored thereon that, inresponse to execution by the processor, cause a bank server to performoperations comprising: receiving, by the bank server and from acomputing device, a request to complete a transaction includingauthentication data associated with a transaction account and a capturedbiometric template, wherein the computing device converts the biometricdata to the captured biometric template, wherein the authentication datais in a form of a scratch pad having a predetermined set of inputs thatmap to the transaction account, and wherein the scratch pad changesbased on the captured biometric template; identifying, by the bankserver, the transaction account using the authentication data associatedwith the transaction account, wherein the transaction account isassociated with a stored biometric template stored in a biometric datastore; comparing, by the bank server, the stored biometric template withthe captured biometric template; and determining, by the bank server, toapprove or decline the transaction in response to the comparing thestored biometric template with the captured biometric template.
 11. Thecomputer-based system of claim 10, wherein the operations furthercomprise transmitting, by the bank server, a bPAN to the computingdevice in response to the stored biometric template matching thecaptured biometric template.
 12. The computer-based system of claim 11,wherein the bPAN has domain restriction controls based on at least oneof a period, an amount, or a merchant segment.
 13. The computer-basedsystem of claim 10, wherein the operations further compriseauthenticating, by the bank server, a user associated with thetransaction account using at least one of an iris scan, a fingerprintscan, vocal scan, a gesture or facial scan.
 14. The computer-basedsystem of claim 10, wherein the operations further comprise receiving,by the bank server, a payment cryptogram including characteristics ofthe transaction and generated using a bPAN associated with thetransaction account.
 15. The computer-based system of claim 10, whereinthe determining to decline is based on risk markers including at leastone of a password entry device without protection or a velocitytransaction wherein a user conducts two transactions in a short amountof time between two geographic locations that are significantlyseparated by distance.
 16. The computer-based system of claim 15,wherein the determining to approve is based on the transaction accountbeing registered.
 17. The computer-based system of claim 10, furthercomprising requesting, by the bank server, a step-up authentication inresponse to the stored biometric template differing from the capturedbiometric template.
 18. An article of manufacture including anon-transitory, tangible computer readable storage medium havinginstructions stored thereon that, in response to execution by acomputer-based system, cause the computer-based system to performoperations comprising: receiving, by the computer-based system and froma computing device, a request to complete a transaction includingauthentication data associated with a transaction account and a capturedbiometric template, wherein the computing device converts the biometricdata to the captured biometric template, wherein the authentication datais in a form of a scratch pad having a predetermined set of inputs thatmap to the transaction account, and wherein the scratch pad changesbased on the captured biometric template; identifying, by thecomputer-based system, the transaction account using the authenticationdata associated with the transaction account, wherein the transactionaccount is associated with a stored biometric template stored in abiometric data store; comparing, by the computer-based system, thestored biometric template with the captured biometric template; anddetermining, by the computer-based system, to approve or decline thetransaction in response to the comparing the stored biometric templatewith the captured biometric template.
 19. The article of claim 18,wherein the operations further comprise transmitting, by thecomputer-based system, a bPAN to the computing device in response to thestored biometric template matching the captured biometric template. 20.The article of claim 18, wherein the operations further compriseauthenticating, by the computer-based system, a user associated with thetransaction account using at least one of an iris scan, a fingerprintscan, vocal scan, gesture or facial scan.